The Green Effect Podcast

Chasing the HST rebate on a new-build home? Before you switch from resale to new construction, this episode walks Canadian homebuyers through the real risks. Mortgage broker Stephen Green covers the new-build HST rebate confusion nobody can answer yet, a short-term-rental HST trap that can cost second-home buyers thousands, and a mortgage renewal warning every homeowner should hear before their ma...

⭐ Enjoying The Green Effect Podcast? Follow the show and leave a 5-star rating — it takes 10 seconds and helps other Canadians find honest mortgage talk. The Bank of Canada held its overnight rate at 2.25%, but Canadian mortgage broker Stephen Green says the real story is what the Bank actually said, not the number. In this episode he breaks down the June 2026 Bank of Canada decision and what it...

The Green Effect | Season 6, Episode 12 We are back with a jam-packed episode of The Green Effect, and Stephen is pulling absolutely no punches today. From chaotic wine country weddings and frustrating credit card fraud to deep-diving into whether we are in a "real" recession or just a half-assed make-believe one, we are covering it all. First up, Stephen shares a crucial warning on the rise of fi...

The Green Effect | Season 6, Episode 11: Spring Market Surge, Bond Yield Blues, and Navigating the Middle Class Squeeze Fresh off a humid trip to Mexico, Stephen Green is back in the studio late on a Sunday night (coffee in hand!) to break down a week of massive, moving targets in the Canadian economic landscape. From a sudden explosion in local real estate activity to the sobering reality behind...

"Life is stupid expensive." In Season 6, Episode 10 of The Green Effect , Stephen Green cuts through the noise of the latest Bank of Canada meeting and the quarterly monetary report to explain what's actually happening on the ground for Canadian homeowners and investors. We're in a market defined by "fragility," and if you aren't prepared for the hidden costs of real estate, you're flying blind. S...

Navigating the Real Estate Market in Uncertain Times: Insights and Strategies Are you feeling overwhelmed by the current state of the real estate market? You're not alone. Between escalating global tensions and a volatile bond market, the housing landscape is shifting beneath our feet. In this episode of The Green Effect , we pull back the curtain on how international events—like the recent tensio...

The Canadian real estate and mortgage markets are changing by the minute, and sitting on the sidelines waiting for a better deal could be costing you thousands of dollars. Welcome back to Season 6, Episode 8 of The Green Effect.  In this episode, Stephen breaks down the current buffet of news impacting your wallet and your home. With global events directly affecting inflation and borrowing costs,...

Welcome back to The Green Effect, Season 6, Episode 7! One would argue we are witnessing history right now, and it is having a massive domino effect on the Canadian economy, inflation, and your mortgage. This week, we are breaking down exactly what the Bank of Canada is doing, why bond yields are spiking to 14-month highs, and why I spent my weekend locking in rates. If you are a buyer, seller, or...

We might have lost an hour to daylight savings time this weekend, but we are gaining a ton of clarity on the current Canadian real estate and mortgage market. In Season 6, Episode 6 of The Green Effect, we are cutting through the global uncertainty and media noise to look at the actual statistical data driving your mortgage rates and housing prices. In this episode, we cover: The Power of Forward-...

Welcome to Season 6, Episode 5 of The Green Effect Podcast! Stephen is bringing the heat on some massive updates in the Canadian mortgage and real estate market. In this episode, we dive into a brand new pilot program working directly with the Canada Revenue Agency to combat mortgage fraud. If you are a real estate investor or a landlord, this is a must-listen. We also break down the latest inflat...

In this episode of The Green Effect, Stephen Green breaks down the current realities of the Canadian mortgage landscape. We dive deep into the often misunderstood world of private mortgages—exploring the high risks and potential rewards involved. We also unpack the latest market statistics for nearby Ontario regions revealing why understanding your local trend line is critical whether you are buyi...

In this episode of The Green Effect, Stephen Green dives deep into the major financial shift coming in 2026: the massive wave of mortgage renewals. Stephen breaks down why blind loyalty to your bank could cost you thousands, and the importance of always doing your research and exploring your options. We also analyze the latest Canadian market trends, including rising mortgage delinquencies in Onta...

Are you bleeding money on streaming services? It might be time for a hard reset. In this episode of The Green Effect , Stephen Green gets personal about the "subscription creep" that hits most of our bank accounts. He shares his recent strategy that drastically slashed his monthly streaming bill and offers practical advice on how you can audit your own expenses to save significant cash every month...

The Green Effect is back. After an 8-month hiatus, Stephen Green returns to the mic to discuss why the podcast paused, how content strategy is evolving, and why deep-dive conversations matter more than ever in a world of short-form clips. But this episode isn't just about media—it's about the market. Stephen breaks down exactly what the Bank of Canada is doing (and what they aren't doing) and how...

🎙️ The Green Effect Podcast - Season 5 Premiere! 🚀   Join host Stephen Green as he kicks off Season 5 with special guest Scott Shea, the 'Right Sizing Expert' in real estate ! 🏡💡   Trend to "Right Size" Homes | Commercial Interests | Branding & Elite Service Offering | Generational Wealth Transfers   In this episode, we dive into: ✅ The emotional challenges of moving & downsizing. ✅ Generatio...

📢 New Podcast Episode Alert! 🎙️   🎙️ Season 4, Episode 25 of The Green Effect Podcast 🎙️   Stress Test Free Switch Fiasco | Major Bank Involved in Law Suit | Unemployment Rate Impacts | Tiffyboy: Santa or Scrooge?   Hosted by Stephen Green , this episode dives into the latest insights shaping Canada's financial landscape :   📌 The impact of Bank of Canada announcements on mortgages 📌 New stress...

📢 New Podcast Episode Alert! 🎙️   🌟 Green Effect Podcast Season 4, Episode 24 🌟   JT and Disney+ Lady Spending Money They Don't Have | Truth Behind the New Stress Test-Free Mortgage Switches | Singing About Fraud on Social Media   In this engaging episode of The Green Effect Podcast , Stephen Green dives into the latest economic and real estate developments in Canada, with his signature mix of...

🌟 Green Effect Podcast Season 4, Episode 23 🌟   Podcast Update | Trump Impacts on Canada and Beyond | Current Mortgage State and Rates | Reaching out for help.   In this episode of the Green Effect Podcast, Stephen Green discusses the evolution of his podcast, the current political landscape with a focus on Donald Trump, and the economic impacts of his policies. He delves into the housing market...

🌟 Green Effect Podcast Season 4, Episode 22 🌟   Unemployment Stats - True Meaning | Market Update - Months of Inventory | Temporary Workers - Impacts | Pointless 30 Year Am for New Builds and First TIme Homebuyers   In this episode, Stephen Green discusses various topics related to the economy, employment, and housing market. He provides updates on the unemployment rate, particularly for young p...

📢 New Podcast Episode Alert! 🎙️   🌟 Green Effect Podcast Season 4, Episode 21 🌟   Future of Real Estate Agents and Mortgage Brokers | A BUILT Business on Social Media | Developing Your Brand   We have TWO incredible guests! In this episode, Madelyn Townes, Real Estate Agent from Remax, joins Lacey Morrison and I. Madelyn shares her incredible journey of leveraging social media, particularly Tik...

The Green Effect Podcast is LIVE!   Season 4 - Episode 20   New format - REALLY LIVE! | Increased Volumes | What will Tiffyboy do? | Inflation Report Recap | Appraisal Trends   🎙️ In this episode, Stephen Green opens up about taking a break from podcasting to focus on self-care. 🌟 He reflects on the evolution of his brand and business as a Mortgage Agent, discussing the challenges and rewards of...

The Green Effect Podcast is LIVE!   Season 4 - Episode 19   Building a Brand and Business | Canadian June Unemployment Stats | The Current Housing Market | Tiffyboy and What He's Thinking for July   🎙️ In this episode, Stephen Green opens up about taking a break from podcasting to focus on self-care. 🌟 He reflects on the evolution of his brand and business as a Mortgage Agent, discussing the chal...

The Green Effect Podcast is LIVE!   Season 4 - Episode 18   Social Media Impact for Realtors | Challenges for First Time Homebuyers and the Condo Market | The Current State of the Housing Market | Clients First and the Client Experience   Join host Stephen Green  and guest host Bryan Braga, Mortgage Agent with The Financial Collective  on the latest episode of the Green Effect Podcast as they sit...

The Green Effect Podcast is LIVE!   Season 4 - Episode 17   In the latest episode of The Green Effect Podcast, Stephen Green dives deep into some of the most pressing topics affecting the Canadian real estate market and economy:   🏦 Bank of Canada's Rate Drop: How will this impact your mortgage and the housing market? 🏡 Affordable Housing: Insights on Justin Trudeau's latest comments and their p...

The Green Effect Podcast is LIVE!   Season 4 - Episode 16   The Power of Social Media | The Power of Partnerships and Referral Sources on Social Media | Authenticity and Relatability in Social Media Content   In this episode of the Green Effect Podcast, Stephen Green interviews Lacey Morrison, the founder of Broker Social Club. Lacey shares her journey of transitioning from being a mommy influence...